Terms and Conditions

Terms and Conditions

Date of Last Modification — March 2012

PGI Agency, Inc. (PGI) provides certain services to you that are subject to the following Terms and Conditions. PGI reserves the right to update the Terms and Conditions at any time without notice to you.

Limitation to Personal Use of Information

The Services provided by PGI are for your personal use. Any commercial use is prohibited without PGI’s prior express written consent. Any information, service or products you obtain from the Services may not be modified, distributed, transmitted, copied, displayed, reproduced, licensed, published, performed, transferred or sold; nor may you create any derivative works therefrom.

Limitation of Liability

PGI AND/OR ITS RESPECTIVE AFFILIATES MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION CONTAINED IN THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED AS PART OF THE SERVICES FOR ANY PURPOSE. ALL SUCH DOCUMENTS AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. PGI AND/OR ITS RESPECTIVE AFFILIATES HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, INCLUDING THE FOLLOWING:

ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, WHETHER EXPRESS, IMPLIED OR STATUTORY;

ALL WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

NEITHER PGI NOR ITS RESPECTIVE AFFILIATES SHALL HAVE ANY LIABILITY FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER BASED ON ACTIONS ARISING FROM CONTRACT, NEGLIGENCE OR ANY OTHER TORTIOUS ACTION. THIS WAIVER AND RELEASE INCLUDES DAMAGE ANY AND ALL CLAIMS ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE FROM THE SERVICES.

Links to Websites of Third Parties

The links on this website may let you leave PGI’s site and are not under the control of PGI. As PGI has no control over these sites and provide them as an educational and information source, PGI is not responsible for any of the content on these links/sites or any linked site on a linked site. This disclaimer also applies to any such links, including any transmitted (e.g., webcasting) information from a linked site. PGI provides these links to you only as a source of education and information but does not warrant any information contained from any link site. Specifically, PGI does not dispense nor provides any information or opinions that is to be considered tax, legal, financial or investment advice. This disclaimer also applies to any such links. This disclaimer also applies to any such links. YOU AGREE THAT PGI IS NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE OR ANY LINK CONTAINED IN A LINKED SITE, OR ANY CHANGES OR UPDATES TO SUCH SITES.

Information Updates

PGI has exercised good faith in making available to you the information on this website. This information is for your education and review but should never be construed as tax, legal, financial or investment advice. Further, due to the fact that good faith errors can occur, you understand, acknowledge and accept that various information on the site could include technical inaccuracies and typographical errors. As PGI does not dispense tax, legal, financial or investment advice, you must, at all times, exercise your own due diligence in reviewing, assessing and determining the suitability of the services based on your own circumstances, facts and situations. You acknowledge that it is your responsibility to seek independent tax and legal advice as to the use of any of PGI’s services

Disclaimer

PGI has made this website and all data posted on it available to the general public for educational and informational purposes only. The information provided is not tax advice, legal opinion, legal advice, financial advice or investment advice or guidance. PGI never represents or acts as an agent for any investment product or company. When making either traditional or non-traditional investments, you must determine whether the investment is prudent for your own circumstances, facts and situation, and whether such investments and plan documents and operations comply with all Internal Revenue Service (IRS), Department of Labor (DOL) and respective state or governing body statutes and regulations. PGI is not a law firm nor is it a CPA firm. The tax rules stated on this website depend on the specific facts and circumstances of the particular taxpayer; no one should act upon this information without first seeking professional counsel from his or her own CPA or tax advisor to determine the tax consequences for a proposed transaction.

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